Bread Financial Reviews

Lure you with high rates but make it impossible to access your money. Suspends acct if you make withdrawals. Send emails (I'm overseas) which they don't even read. Received only form letters to call THEM.

Comenity never sent my credit card on the mail and never send me a statement, but they wanted me to pay fees and kept asking for my card number when I had no credit card and waited for it for 2 months. I spoke to someone at Comenity bank. She promised me to waive the fees, but never did. They kept charging me fees every month. Horrible customer service. I’m considering in suing them.

I had Triple A cc for years, they switched to Bread Financial, I pay my bill in full every month, however I missed a payment between January and February, they charged me 30.00 late fee and 5.00 interest. I asked them for an adjustment, they said they couldn't give me a full adjustment, I asked why. They just don't. I explained my children's dad was diagnosed with pancreatic cancer and it was a horrible January and February, he passed February 19th, he was diagnosed in January. I am still devastated, I also was late on one other card and they adjusted everything and were very understanding and sincere.

I received an offer from Bread for a pre-approved Amex. I accepted. Upon arrival, I activated the card and attempted to use it for a small (>$50) online purchase and enter it into Google Pay. The card was immediately flagged for "suspicious activity". I called their Customer Service, and went through various verification questions ... until we arrived at telephone number. Apparently, they had added an old cell number that I no longer have access to (haven't had for years, actually). This caused my case to "escalate". I then told them I would just like to cancel the card. I don't actually need it, and it wasn't worth the trouble. There is no balance on it, there are no pending charges, there are no fees ... absolutely nothing had ever been done with this card as it was the very first transaction ever attempted, and just 20 minutes after activation. I was told I had to wait to receive a letter.

STAY AWAY!!!! I am a customer of Dell who used to have Dell Financial services to support and now I guess Bread Financial has taken over (not for the better). Very poor customer service, the services team is obviously offshore in India, had a call today and it is very obvious they are reading a canned script for any question I have. Not very helpful!!!! I was trying to reverse a $30 late fee as a courtesy (been with Dell for over 10 years, never been late on a payment and was only late because of the 5PM EST time deadline with me being on the West Coast) but they kept insisting on just $15 as a courtesy reversal.

Bread Financial has very poor online support - customer reps unable to support web site. Unable to access account without reopening another user and password and other account data - information they already have.

Stay away! Once they have your money they have so many rules and fees it is a total headache trying to get it back. The little bit of higher interest is not worth it, go to another bank to do your business. The customer service is worthless.

Every time I pay my Maurices Credit Card online it takes a week for the money to be removed from my account. It looks to be paid but then days later it tries to take it out and I get charged a service fee. The company need to figure out a way to get the money out of its customer's account in a timely manner. This is 2025. This is the only credit card and bill I have that is still in 1990. I feel like this done to mess their customer's account up and get to charge service fees. Very disappointed. Once I have paid this card off. I am closing my account.

If your dentist tries to get you to sign up for a third party payment plan with the promise of "no interest" do not believe them!!! It is a deferred interest plan that starts on the day you sign up for the card. If you don't pay the full amount before the end of the plan they will hit you with all the interest in one bill. We have had to call them over 30 times due to the Smile Spa of North Jersey LLC opening a credit card fraudulently and then charging $13,200 to the card with no proof of work that equals that amount.

BUYER BEWARE**** DO Not get caught up in getting this credit card or having any ties with this company. They will price gauge you with high interest higher than your balance due. They are taking advantage of the consumer. I am filing a complaint with the BBB against them. Never missed a payment, never late and losing my mother overnight and due to not logging into the system for 1 day you want to add $414 interest on my balance. When calling to pay the full balance and asked them to remove the interest charge due to the death in the family no regards at all. They are scamming people for high fees with no compassion for the consumer. PLEASE save yourself the headaches and don't get caught up in the same mess as myself.